Evaluation and Classification of Commercial Bank Customer Value

In order to solve the problem of commercial banks to identify customers, from the reality of commercial banks, constructs a synthesis appraisal model of commercial bank customer value, proper attention to both practical and suitable. Proposes two-dimensional clustering segmentation method based on the customer current value and the increment value, provides support for the bank to evaluate the customer value objectively, subdivide the customer scientifically, realize the limited marketing and the difference service effectively. Empirical results show that this method can help managers identify high-quality customers, and according to their ability to formulate a quality customer training programs, use the limited marketing resources on the most valuable or most potential customers.